I could use some duvet advice, re tog and filling.
I'm going to buy a duvet, and I'd like to use it without adding a blanket or anything else, but can't decide what tog rating I should get. I know some all-season duvets come as a set of two with different tog ratings (like a 4.5 plus a 10.5 for a 15 tog when used together), but they are more expensive and most likely overkill for my needs.
My usual problem is being too hot, so in winter I turn off the radiator in the bedroom and have slept under a regular bedspread + sheet... only occasionally breaking out another blanket. (Average low winter temperatures here are in the mid 40s F (– around 7 C)... it sometimes but very rarely will get to freezing. Our house is not cold or drafty.)
Would a 4.5 tog be way too light? I know it's supposed to be "summer weight" but who knows what that means, given that summer low temperatures elsewhere may be as cold as most of winter is here. But I thought if it wasn't warm enough, I could buy one more and put together my own all-season combo of two 4.5 tog duvets. The price would probably still be less than an off the shelf all-season combo. But maybe there's something I don't know about how that works?
I also don't know about material. I'm eyeing this
right now. I'm worried about feather/down because of clumping and I need to be able to wash in my machine and line dry (no dryer). I was looking at one microfibre option, but it recommended professional cleaning.
Obviously, I've never used a duvet before and don't know what I'm doing. Anything else I'm missing?